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Which gender pays more for car insurance?

Car insurance premiums are personalized to each individual driver. To calculate rates, insurance companies use a variety of rating factors, including your location, credit score, driving record, age, and claim history. But you might be surprised to learn that your gender can also affect the cost of your car insurance policy.

In this article, we’ll answer questions like, “Is car insurance higher for males or females?” and explain why one gender typically pays higher rates than the other. We’ll also look at the average car insurance premiums for male and female drivers.

Do men or women pay more for car insurance?

In general, men pay more for car insurance than women. Statistically speaking, male drivers are riskier to insure than female drivers. Data from the Insurance Institute for Highway Safety (IIHS) shows that male drivers are more likely to drive under the influence and engage in risky driving behaviors, like speeding and driving without a seat belt. As a result, men sometimes pay higher car insurance premiums than women.

When looking at male vs. female car insurance rates, however, it’s important to understand that the rule “men pay more for car insurance” is not always true. Car insurance companies use dozens of rating factors to determine premiums, and gender has a relatively small impact on rates.

For example, male drivers in a particular state or ZIP code might pay lower car insurance rates than females. Our car insurance rate data shows that females in Utah pay on average 5% more for auto insurance than males. Similarly, a male driver with an excellent credit score or clean driving record might pay less than a female with poor credit or multiple traffic violations.

In addition, car insurance companies are not allowed to use gender as a rating factor in several states. If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, the use of gender as a rating factor is limited or banned.

Average car insurance cost for single male

According to our analysis of recent premium data, the average car insurance cost for a single male is $1,824 per year for a full coverage policy. However, remember that gender is only one rating factor. Many other factors, including age, credit score, vehicle type, policy limits, and deductibles will also impact premiums for drivers of all genders.

Average car insurance cost for single female

The average car insurance cost for a single female is $1,821 per year for a full coverage policy. On average, women pay just $3 less than men on an annual basis, so the price difference is not significant. However, women might pay higher rates than males based on their unique driver profile, location, and coverage needs.

Genders impact on car insurance rates

Gender does have an impact on car insurance rates, but it’s very minor. Our average rate data shows that women pay just $3 less than men per year for car insurance. On a monthly basis, the rate difference between men and women is only $0.25.

Besides gender, there are many other rating factors that will impact the cost of your car insurance policy more significantly. If you’re in the market for auto insurance, it’s a good idea to get quotes from multiple insurers. Comparing rate quotes will help you find the most affordable policy for your personal driver profile, location, and other circumstances.

To get started, you can take our short quiz to see how much you can expect to pay for car insurance.

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Why do males pay more for car insurance?

Now that we’ve revealed which gender pays more for car insurance, we can look at why men often pay higher rates than women. The reason why male drivers usually have more expensive car insurance premiums is because they pose more risk to their insurers.

Data shows that men are more likely to drive the influence, speed, and drive recklessly. Additionally, accidents involving men are usually more severe than accidents involving women. Insurance companies take on more risk when they insure male drivers, so they charge higher rates to compensate for the increased likelihood of a claim.

However, remember that male drivers don’t always pay more for car insurance than females. There are many situations where a woman might pay more for car insurance than a man. Additionally, our average rate data shows that men only pay $3 more per year, on average, which is relatively insignificant.

Frequently asked

Why does gender impact car insurance rates?

Gender impacts car insurance rates because it’s used to indicate how risky a driver is to insure. Male drivers have higher instances of serious accidents and DUI convictions, so they often pay slightly higher rates than women.

Why do girls pay less for car insurance?

Girls usually pay less for car insurance because they are safer drivers than males. Female drivers are less likely to be involved in serious car accidents, drive recklessly, and drive impaired than men. As a result, insurers often charge lower car insurance rates for women.

At what age does male car insurance go down?

For most drivers, car insurance rates drop over time, assuming the individual maintains a clean driving record and a good credit score and avoids claims. For males, car insurance rates usually start to go down in their mid-20s and continue to drop until around age 70.

Who has cheap car insurance for women?

There isn’t a single car insurance company that offers cheap car insurance for all women across the board. The cheapest car insurance company is different for every female driver depending on factors like location, age, driving record, and credit score. Shopping around and comparing rates can help females find the lowest rate for their personal situation.

Who has cheap car insurance for men?

It’s difficult to say which car insurance provider is the cheapest for men. Car insurance companies charge different rates for the same types and amounts of coverage, and drivers will find that some insurers offer lower rates than others. Male drivers should compare rates from a few different companies to find the cheapest policy for them.

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide. 

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